Which has more SBA loans, Fix Auto or Ubreakifix?

Fix Auto has 35 SBA 7(a) historical approvals; Ubreakifix has 62. Ubreakifix has the deeper public lender track record, which generally translates into faster pre-qualification and broader lender familiarity.

What is the default rate for Fix Auto vs Ubreakifix SBA loans?

Fix Auto's historical SBA default rate is 0.0% versus 0.0% for Ubreakifix. Ubreakifix has the cleaner loss profile, which lenders weight when pricing the next deal in the brand.

When did Fix Auto and Ubreakifix peak in SBA lending volume?

Fix Auto's SBA approval peak was 2020 with 6 loans; Ubreakifix's peak was 2018 with 13. A more recent peak (currently Fix Auto) generally indicates fresher lender appetite and easier financing today.

Which states have the most Fix Auto and Ubreakifix SBA loans?

Fix Auto leads in CA with 28 SBA-funded units; Ubreakifix leads in FL with 9. The brand that matches your operating state typically closes faster because local lenders already know the unit economics.

Side-by-Side Comparison

Fix Auto vs Ubreakifix

Q: Which is a better franchise investment, Fix Auto or Ubreakifix?

Fix Auto vs Ubreakifix: compare initial investment, royalty rate, unit count, SBA lending history, default rate, and PeerSense FPI score side by side. The right answer depends on your capital, target market, and risk tolerance, not on which brand ranks higher in a list.

Q: How much does a Fix Auto franchise cost compared to Ubreakifix?

Fix Auto requires a total initial investment of $55K–$3.1M while Ubreakifix requires $50K–$255K. Ubreakifix has the lower minimum capital commitment. Franchise fee, royalty percentage, and advertising fees vary independently, see the comparison table below for the full FDD breakdown.

Quick Answer

Fix Auto vs Ubreakifix: Fix Auto costs $55K–$3.1M to open; Ubreakifix costs $50K–$255K. Fix Auto has 212 units, Ubreakifix has 53. SBA loan history: Fix Auto = 35 loans (0.0% default); Ubreakifix = 62 loans (0.0% default). The franchise with more SBA-funded units, lower default rate, and lower royalty load is the safer financing bet, see the comparison below.

Fix Auto vs Ubreakifix: Capital, Scale & Lending Analysis

Data-driven differentiation pulled from FDD filings and SBA 7(a) loan-level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.

Capital Intensity

Ubreakifix requires the lower minimum capital commitment ($50K vs $55K for Fix Auto), a 10% spread. Initial franchise fees come in at $10K for Fix Auto versus $51K for Ubreakifix, Fix Auto has the lower entry fee.

System Scale & Tenure

On scale, Fix Auto operates 212 units to Ubreakifix's 53, roughly 4× the system size.

SBA Lending Profile

Ubreakifix has the deeper SBA lending track record with 62 historical 7(a) approvals versus 35 for Fix Auto. Fix Auto's peak SBA year was 2020 (6 loans); Ubreakifix's peak was 2018 (13 loans). Fix Auto's more recent peak generally indicates fresher lender appetite. Geographically, Fix Auto concentrates in CA (28 SBA-funded units) while Ubreakifix leads in FL (9). Pick the brand whose strongest state matches yours for warmest lender introductions. Average SBA loan size on funded Fix Auto deals is $1.3M vs $154K for Ubreakifix, useful as a sizing anchor when modeling your own unit.

Risk Signal

SBA default rates are 0.0% for Fix Auto and 0.0% for Ubreakifix. PeerSense FPI scores come in at 75 (Strong) for Fix Auto and 56 (Moderate) for Ubreakifix, giving Fix Auto the stronger composite signal across SBA performance, lender appetite, and operational consistency.

Fix Auto

Automotive Body, Paint,

75 9W

Ubreakifix

Automotive Body, Paint,

Health & Performance

FPI Score	75/100	56/100
Health Tier	Strong	Moderate
Confidence	N/A	N/A
Lending Trend	Growing	Declining

SBA Lending

SBA Loans	35	62
SBA Volume	–	–
Default Rate	0.0%	0.0%
Peer Tier	established	established

Investment & Costs

Total Investment	$55K – $3.1M	$50K – $255K
Franchise Fee	$10K	$51K
Royalty Rate	3%	N/A
Ad Fund	0.75%	N/A
Liquid Capital	N/A	N/A
Net Worth Required	N/A	N/A

Financial Performance (Item 19)

Item 19 Status

Disclosed

Not Disclosed

System Size & Operations

Total Units	212	53
Franchised Units	212	53
Company-Owned	–	–
Term Length	5 yrs	N/A

Brand Information

Year Founded	N/A	2009
Franchising Since	2010	N/A
Years Franchising	16 yrs	N/A
Headquarters	Escondido, CA	ALTAMONTE SPRINGS, FL
Category	Automotive Body, Paint,	Automotive Body, Paint,
Website	fixauto.com/us/en/franchise	asurion.com/franchising
FDD Year	2026	2021

Which Is Better, Fix Auto or Ubreakifix?

Lower upfront capital required

Ubreakifix

Fix Auto: $55K starting · Ubreakifix: $50K starting

More SBA lender confidence

Ubreakifix

Fix Auto: 35 SBA loans · Ubreakifix: 62 SBA loans

Lower historical default rate

Tie

Fix Auto: 0.0% · Ubreakifix: 0.0%

Larger system & brand presence

Fix Auto

Fix Auto: 212 units · Ubreakifix: 53 units

More lender financing options

Ubreakifix

Fix Auto: 15 unique lenders · Ubreakifix: 31 unique lenders

Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.

Franchise Financing

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About These Franchises

Fix Auto

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Fix Auto vs Ubreakifix: Franchise Funding Comparison

Comparing Fix Auto and Ubreakifix is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $50K to $3.1M.

Both brands have active SBA lending histories, Fix Auto with 35 SBA loans and Ubreakifix with 62. This means proven lender acceptance and established underwriting paths for franchise buyers.

SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.

Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.

SBA Loan Guide Franchise Funding Options Best SBA Franchise Lenders All Franchises Schedule Free Consultation

Fix Auto vs Ubreakifix, Frequently Asked Questions

Which is a better franchise investment, Fix Auto or Ubreakifix?

Compare Fix Auto vs Ubreakifix franchise costs, FDD data, royalty rates, unit counts, and SBA lending history side by side above. The best franchise depends on your capital, market, and risk tolerance, not a single ranking. Use the decision matrix above to see which brand wins on each financing dimension.

How much does a Fix Auto franchise cost compared to Ubreakifix?

Fix Auto requires $55K–$3.1M in total initial investment with a $10K franchise fee. Ubreakifix requires $50K–$255K with a $51K franchise fee. All numbers come from official Franchise Disclosure Document filings.

Can I finance Fix Auto or Ubreakifix with an SBA loan?

Both brands appear on the SBA Franchise Directory and have funded SBA 7(a) loans: Fix Auto has 35 SBA loans on record; Ubreakifix has 62. SBA 7(a) is the most common franchise financing vehicle, offering up to $5M with 10% down. PeerSense routes your deal to lenders who have already approved the brand.

Which has a lower SBA default rate, Fix Auto or Ubreakifix?

Fix Auto: 0.0% historical SBA default rate. Ubreakifix: 0.0% historical SBA default rate. Lower default rates mean lenders quote tighter rates and underwrite faster.

Compare Fix Auto to other franchises Compare Ubreakifix to other franchises Browse all Automotive Body, Paint, franchises

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